Pear Tree.Pear Tree.

Credit Analyst

Added 10 days ago

Position: Credit Analyst 

Salary: PHP 100,000 - 140,000

Working Hours & Conditions Aligned with Australian hours; full-time (remote)

Holidays: AU Holidays

ABOUT THE COMPANY: 

The client is a forward-thinking financial services and mortgage brokerage firm headquartered in Newcastle, New South Wales. Operating with a mission to modernize the lending landscape, the company specializes in providing strategic debt solutions for first-home buyers, seasoned investors, and small business owners across Australia. By leveraging a network of over 60 lenders, they deliver highly personalized expertise in residential mortgages, commercial finance, and asset lending, positioning themselves as a fresh alternative to traditional banking institutions.

OVERVIEW:

You are responsible for structuring, assessing, and submitting loan applications across a wide range of residential lending scenarios. This is not a data-entry role—you are expected to think like a broker and anticipate credit outcomes before submission.

You will work across multiple lenders (including proprietary products), handling deals end-to-end from fact find through to submission and credit support.

RESPONSIBILITIES:

  • Analyse borrower scenarios (PAYG, self-employed, complex structures)

  • Structure deals across:

  • Refinances

  • Cash-out / equity release

  • Pre-approvals

  • Multi-lender / proprietary products

  • Basic SMSF lending (low volume)

  • Prepare and submit loan applications via Connective

  • Complete and manage MIRs (More Information Requests)

  • Review supporting documents for completeness and credit strength

  • Identify risks and propose alternative structures before submission

  • Liaise with lenders, BDMs, and internal stakeholders

  • Maintain accurate notes and pipeline in Mercury CRM

QUALIFICATIONS:

  • 4+ years in Australian mortgage broking / credit analysis

  • Strong experience with:

  • Complex deals (not just vanilla PAYG)

  • Refinance and equity release scenarios

  • Pre-approvals and submissions

  • Hands-on experience with:

  • Connective (non-negotiable)

  • Mercury CRM (strongly preferred)

  • Solid understanding of lender policies and servicing

WHAT THE CLIENT IS ACTUALLY LOOKING FOR:

  • You don’t wait for instructions—you identify issues before they happen
  • You can structure deals, not just process them
  • You reduce back-and-forth with lenders by getting it right upfront

PREFERRED SKILLS (nice to have):

  • SMSF lending exposure
  • Experience with non-bank / specialist lenders